OptimumBank Q3 Earnings Soar to $4.32M as Assets Top $1B

OptimumBank Holdings (NYSE American: OPHC) delivered impressive third-quarter 2025 results, reporting net earnings of $4.32 million that showed growth from both the previous quarter and the same period last year. The Florida-based financial institution demonstrated strong momentum with nine-month earnings reaching $11.80 million, driven by robust net interest income and higher noninterest income. The bank's balance sheet expansion was particularly noteworthy, with deposits growing by $80.62 million sequentially to $959.49 million and loans increasing by $29.16 million to $813.72 million. Total assets crossed the billion-dollar threshold to reach $1.08 billion, while stockholders' equity climbed to $116.89 million, reflecting the institution's solid financial foundation and growth trajectory.

The company's performance metrics underscore its operational efficiency, achieving a 1.68 percent return on average assets and a healthy 4.37 percent net interest margin. These results come as OptimumBank celebrates its 25th anniversary, marking a quarter-century of service-oriented banking from its Fort Lauderdale headquarters. The bank has built its reputation on providing Business Banking, Business Lending, SBA Lending Solutions, Treasury Management, and Personal Banking services with reasonable fees and strong customer service that larger financial institutions often struggle to match. The continued balance-sheet expansion and core earnings momentum position the bank well for future growth, with investors able to access the full press release through the InvestorBrandNetwork platform.

Founded in 2000, OptimumBank has established itself as a community-focused institution committed to supporting economic development through responsible banking practices and strategic community partnerships. The bank's comprehensive suite of financial solutions caters to both business and individual clients, offering specialized services through its Business Lending and SBA Lending Solutions divisions. The current financial results, distributed through InvestorWire's advanced communications platform, highlight the bank's ability to maintain growth while staying true to its service-oriented roots. For those seeking detailed investment information, additional updates relating to OPHC are available through the company's dedicated newsroom, providing transparency and ongoing communication with stakeholders.